In the early stages of Alzheimer's disease, most patients have the ability to still maintain an independent lifestyle. While early stages, sometimes simply diagnosed as "dementia," often present with mild forgetfulness, easy distractibility, or a less organized approach to normal activities. During this stage of the disease, patients might pay the odd bill a few days or a week late because they forgot. However, the disease can often progress in such a manner that these mildly forgetful episodes become more harmful. Many times friends and family do not realize the severity of the progression until services are discontinued, collection calls start, or some other financial crisis arises.

It is at this point most family members realize the reality of what lies ahead in terms of coping with Alzheimer's disease. Before the disease progresses to this point, caregivers and family should start helping with organizing and paying bills and other responsibilities. It is not uncommon for a patient with dementia-type symptoms to forget to pay important bills like premiums on life or supplemental medical insurance. Often, caregivers find out too late, after coverage has canceled or otherwise been lost. As a patient diagnosed with Alzheimer's and with advanced age-related health problems, most patients are ineligible for purchasing new insurance without it being cost-prohibited.

As such, these Alzheimer's disease patients often find themselves without additional insurance just at a time when they need it the most and can least afford to be uninsured. As their disease and other health problems progress and more intense care is required, these seniors are often left with nothing more than their basic Medicare coverage. Depending on their assets, they may not qualify for Medicaid to help defray medical costs not covered by Medicare. As such, these seniors are left no choice but to drain their life savings and deplete assets to pay for their increasing medical costs.

As a family member, this can be a painful proposition to watch. There is nothing that can be done to rectify the situation except to make the best of it. However, armed with the possibility of such scenarios, family members can ensure they get involved sooner. When a condition such as Alzheimer's disease is suspected, caregivers can move early to help keep the patients bills and other responsibilities in order. Before a bill is forgotten or paperwork is left unsigned, caregivers can catch the problem. This can prevent the loss of important services such as supplemental medical insurance.Sean L Johnson